Personal loans in Marshall, MO
With an estimated 13,642 residents, Marshall is the 56th-largest of 937 places in Missouri. The first question in Marshall is not the rate on offer but whether the payment fits; about 13,642 people live here under Missouri lending law.
Judge Marshall offers on total cost, not on how quickly the money arrives. Every figure below is Missouri's own, applied to Marshall's 13,642 residents, with the publisher and retrieval date attached. Marshall shed about 1.1% of its population between the 2020 base and the 2023 estimate. The nearest larger city is Sedalia, MO about 28 miles away.
What the Census records for Marshall
Two layers matter for a Marshall borrower: the local population picture and Missouri's consumer-lending statutes.
- Population: the Census counts 13,642 residents in Marshall (Vintage 2023 subcounty estimate), the 56th-largest figure among Missouri's 937 places.
- Population trend: About 1.1% below the 2020 Census base.
- Net change: roughly 153 fewer people than the 2020 Census counted.
- Size percentile: roughly 94% of Missouri places rank below Marshall.
- Population density: 1,348 people per square mile on 10.1 square miles of land.
- Land area: Marshall covers 10.1 square miles, the 57th-largest area among Missouri's 937 places.
- Water area: Marshall has 0.07 square miles of water, ranking 97th of 937 places in Missouri.
- State share: roughly 0.3% of Missouri's residents live in Marshall (13,642 people).
- Nationally: Marshall is the 2,534th-largest of 19,457 Census places in the dataset.
- Growth rank: Marshall ranks 658th among Missouri's 937 places for the 2020-to-2023 change.
- Against the state trend: Marshall's 1.1% change compares with a Missouri average of +0.8% across its 937 places.
- Density rank: Marshall places 168th among Missouri's places by people per square mile.
- Density in context: Marshall's 1,348 people per square mile sit against a Missouri median of 743.
- Location: coordinates 39.1151, -93.2025 (US Census Bureau Gazetteer).
- Nearest larger cities: Sedalia (28 mi); Warrensburg (37 mi); Columbia (48 mi); Grain Valley (55 mi); Blue Springs (58 mi). Larger metros often have more branches, but online lenders reach Marshall on the same terms.
- Smaller places nearby: Malta Bend (10 mi); Mount Leonard (10 mi); Slater (10 mi).
- Within a 50-mile radius: 100 smaller Census places.
- Within 100 miles: 26 places are larger than Marshall.
Marshall against the rest of Missouri
Marshall is the 56th-largest of 937 Census places in Missouri and contains about 0.3% of the state's people. Its 2020-to-2023 change ranks 658th of 937 Missouri places, putting it near the 30th percentile for growth. By density, at about 1,348 people per square mile, it ranks 168th in Missouri. In land area, Marshall ranks 57th among Missouri's 937 places.
Inside a Marshall personal loan
In Marshall, a small town of about 13,642, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a Marshall loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Marshall loan but raises total interest, so the smallest payment is not the cheapest loan.
How Missouri law applies in Marshall
For the roughly 13,642 residents of Marshall, the rules below are Missouri's own; each row carries its publisher and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Missouri Division of Finance (Department of Commerce and Insurance) Source says: "We regulate state-chartered banks, trust companies, consumer credit facilities, mortgage brokers, and savings and loan institutions" | Missouri Division of Finance as of 2026-09-16 |
| Payday lending status | Legal and licensed — unsecured loans of $500 or less require a license from the Director of the Division of Finance (RSMo § 408.500) Source says: "in the business of making unsecured loans of five hundred dollars or less shall obtain a license from the director of the division of finance" | Missouri Revisor of Statutes as of 2026-09-16 |
| Small-loan / installment lender licensing | Consumer credit lenders licensed and regulated by the Division of Finance's consumer credit section (Chapters 367 and 408, RSMo) Source says: "The consumer credit section of the Missouri Division of Finance is responsible for licensing and regulating various types of consumer finance companies" | Missouri Division of Finance as of 2026-09-16 |
Marshall on the map
Inside Marshall's boundaries lie roughly 10.1 square miles of land and 0.07 square miles of water. The resulting density is about 1,348 people per square mile. For the state's biggest city, Kansas City, the distance is roughly 72 miles. Marshall has 3 larger places within a 50-mile radius. The 100-mile radius contains 26 larger places.
A pre-application checklist for Marshall
Complete these steps first when you borrow in Marshall (13,642 residents):
- Pull your credit reports first and correct any error before a lender sees the file.
- Test your amount and term in the personal loan calculator first.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Missouri licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
- Look for an origination fee or prepayment penalty in the written disclosure.
What differs between Marshall and the rest of Missouri is not the process but the borrower's own file, among the 13,642 people here.
Common questions
What are my options in Marshall if my credit is poor?
What loan size can I expect in Marshall?
Do I have to pledge anything to borrow in Marshall?
Does comparing loans in Marshall cost me credit score points?
Nearby places
- Slater, MO — population 1,802
- Malta Bend, MO — population 187
- Mount Leonard, MO — population 63
- Miami, MO — population 147
- Nelson, MO — population 149
- Gilliam, MO — population 175
- Blackwater, MO — population 178
- Grand Pass, MO — population 49